Call reports 2021
CITIZENS DEPOSIT BANK & TRUST, INC. — 2021
What CITIZENS DEPOSIT BANK & TRUST, INC. reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 |
|---|---|---|
| Total assets | 635,866,000 | 654,258,000 |
| Total loans | 312,697,000 | 308,054,000 |
| Allowance for loan losses | 2,763,000 | 2,569,000 |
| Securities available for sale | 232,197,000 | 295,533,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 534,215,000 | 559,624,000 |
| Interest-bearing deposits | 393,574,000 | 423,813,000 |
| Noninterest-bearing deposits | 140,641,000 | 135,811,000 |
| Equity capital | 57,475,000 | 59,045,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 |
|---|---|---|
| Interest income | 4,461,000 | 9,681,000 |
| Interest expense | 299,000 | 536,000 |
| Net interest income | 4,162,000 | 9,145,000 |
| Noninterest income | 796,000 | 1,346,000 |
| Noninterest expense | 2,911,000 | 6,028,000 |
| Provision for loan losses | 120,000 | -30,000 |
| Pretax income | 2,465,000 | 5,031,000 |
| Income tax | 591,000 | 1,205,000 |
| Net income | 1,874,000 | 3,826,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 |
|---|---|---|
| Tier 1 capital | 49,394,000 | 51,397,000 |
| Total capital | — | 53,966,000 |
| Risk-weighted assets | — | 333,729,000 |